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Executive Viewpoint: What Telematics Got Wrong and What It Means for Commercial Auto
In 2012, I joined Direct Line Group's motor team to help build a telematics insurance product. The idea was simple: use real driving data to move beyond crude proxies—age, postcode, ...
Automation Theater: Why Carrier AI Investments Aren’t Showing Up in the P&L
The boards are asking. Investors are asking. The carrier C-suite is starting to ask: Where's the payoff? Insurers have been far from timid in their AI investments. Innovation labs have been built. ...
Why and How Homeowners Underwriting Must Change
Excellence in homeowners insurance requires sophisticated risk management, but today's industry environment is testing the limits of traditional underwriting approaches. Weather events are occurring ...
Insurance Data and the Complex Loops Redefining Casualty Risk
The world is evolving at a pace that outstrips traditional casualty models. Our understanding of risk, and the insurance data we rely on to quantify it, is increasingly misaligned with how people ...
Executive Viewpoint: One AI Won’t Save You
The property/casualty insurance industry has made artificial intelligence a top strategic priority for three consecutive years. It has invested accordingly. And it has, by most objective measures, ...
How Your ORSA Can Be Retooled for a Competitive Advantage
As a carrier executive, you probably don't get excited at the thought of complying with regulations like the Own Risk Solvency Assessment, commonly known as ORSA. It's understandable. Your primary ...
Executive View: AI Strategy in Insurance Requires Plug-and-Play Operating Model
The insurance industry is entering a phase of artificial intelligence (AI) adoption where the primary constraint is no longer capability. Most core use cases, including submission intake, ...
How Insurers Are Using AI to Manage Rising Catastrophic and Accumulation Risk
The insurance and reinsurance industry is facing a sustained increase in catastrophic and location‑based risks from extreme weather and natural catastrophes to political violence, terrorism and ...